These solutions have certain requirements and restrictions. We can walk you through the steps necessary to determine if you qualify for one of these options and help you to save your home and prevent foreclosure.

If you have exhausted all of the above without success then perhaps a short sale is a viable option for you. A short sale is when your lender agrees to take less than what is owed and pays all the selling expenses including real estate commissions. It is a detailed but fairly straightforward process that can work to benefit Buyer, Seller and even the Lender. There is a right way to put together a short sale offer so a lender can justify settling for your offer. Working with a Real Estate Agent who is experienced in the process is crucial when listing your property for a short sale.

At any event the last thing you want is to be forced to exercise one or more of the three remaining options.

• Deed in Lieu of Foreclosure
• Letting your home go to auction
• Declaring Bankruptcy

Call today for a free consultation with one of our pre-foreclosure experts. Time is of the essence. Call today. That one phone call will cost you nothing but could save everything! The longer you delay the fewer options you will have.

Home Owners

Are you currently missing mortgage payments or are you at risk of doing so in the near future? If so, you are not alone. Hundreds of homeowners in Hawaii are finding themselves in the same situation.

Whether it's due to illness, loss of or changes in your job, change in marital status, or the reset of your Adjustable Rate Mortgage. Whatever the challenge, we know what you're feeling. We understand the difficult choices you have to make every month when there is not enough money. We understand what it's like to have continual phone calls from your lender, calls at home, calls at work and letters in the mailbox.

Partnering with PEMCO, Ltd

We want you to know that you still have options that can help you resolve your dilemma before it is too late. Here at PEMCO, LTD our goal is to educate you about what those options are and to help you avoid going into foreclosure.

Have you tried any of the following?

• Renegotiate with your current lender to modify
  your existing loan, or request Forbearance.
• Refinance your existing mortgage
• Sell your property to a private investor
• Borrow money from a friend or relative